COMP <GO>
UMBF vs ALLY // EV/EBITDA & P/E VALUATION
UMB Financial Corporation (NASDAQ) VS. Ally Financial Inc. (NYSE) • 15-METRIC TALLY: UMBF 3
— ALLY 8
▲ EV/EBITDA & P/E VALUATION LEADER: ALLY
LAST: $137.46 (+2.22%) • MKT CAP: $10.21B
valuation
33.4x
LAST: $38.61 (+1.15%) • MKT CAP: $11.61B
valuation
15.1x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UMBF VS. ALLY)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UMBF | ALLY | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.50% | 4.10% | -1.60 | ALLY | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 33.4x | 15.1x | +18.30 | ALLY | /valuation <GO> |
| Free Cash Flow Yield | 9.46% | 22.00% | -12.54 | ALLY | /fcf-yield <GO> |
| Operating Margin | 29.60% | 75.00% | -45.40 | ALLY | /operating-margins <GO> |
| Net Profit Margin | 24.30% | 68.00% | -43.70 | ALLY | /net-margins <GO> |
| Revenue Growth (YoY) | 7.70% | 3.80% | +3.90 | UMBF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.31% | 3.14% | -1.83 | ALLY | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.1 | 45.4 | +5.70 | UMBF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.02 | 0.88 | +0.14 | UMBF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.7x | 13.2x | +0.50 | ALLY | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.21B | $11.61B | -$1.40B | ALLY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UMBF REV | ALLY REV | UMBF GROSS % | ALLY GROSS % | UMBF FCF | ALLY FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.32B | $1.24B | — | — | $978.1M | $3.67B |
| FY 2024 | $1.46B | $1.20B | — | — | $205.3M | $4.47B |
| FY 2023 | $1.16B | $968.0M | — | — | $472.6M | $4.51B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UMBF // BETA 1.02
ALLY // BETA 0.88